BlastPoint's Banking Scorecard
Community Bank, National Association
Canton, NY
214 branches across NY · PA · VT · MA · IN · NH
Community Bank, National Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.53% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 50.0% in tier
- - ROA 0.12% below tier average
- - Net Interest Margin 0.31% below tier average
- - Efficiency Ratio 3.01% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$17.4B
+5.6% YoY
+2.5% QoQ
|
-$29.9B |
$47.4B
-2.0% YoY
|
$19.3B
+16.2% YoY
|
$6.2B
+9.0% YoY
|
30% |
| Total Loans ? |
$11.0B
+6.8% YoY
+1.6% QoQ
|
-$18.6B |
$29.6B
-0.4% YoY
|
$8.1B
+13.6% YoY
|
$3.2B
+10.7% YoY
|
24% |
| Total Deposits ? |
$15.0B
+6.6% YoY
+3.2% QoQ
|
-$23.7B |
$38.7B
-1.6% YoY
|
$15.1B
+14.9% YoY
|
$4.8B
+8.0% YoY
|
33% |
| Return on Assets ? |
1.16%
+16.8% YoY
+5.2% QoQ
|
-0.12% |
1.28%
+19.3% YoY
|
0.86%
+11.9% YoY
|
1.24%
+13.1% YoY
|
44% |
| Net Interest Margin ? |
3.46%
+6.1% YoY
+2.1% QoQ
|
-0.31% |
3.77%
+5.6% YoY
|
3.45%
+6.7% YoY
|
3.89%
+5.7% YoY
|
44% |
| Efficiency Ratio ? |
56.91%
-4.7% YoY
-3.3% QoQ
|
+3.01% |
53.90%
-4.0% YoY
|
69.17%
-2.9% YoY
|
66.84%
-3.8% YoY
|
41% |
| Delinquency Rate ? |
0.49%
-32.9% YoY
-6.4% QoQ
|
-0.53% |
1.02%
-4.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
73.54%
+0.2% YoY
-1.5% QoQ
|
-7.35% |
80.88%
+2.0% YoY
|
77.98%
+0.6% YoY
|
76.69%
+0.9% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
25.81%
-2.1% YoY
-2.3% QoQ
|
+5.99% |
19.82%
+0.3% YoY
|
21.94%
+0.9% YoY
|
22.01%
-1.1% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.35%
-24.7% YoY
-6.8% QoQ
|
-0.37% |
0.73%
+4.0% YoY
|
0.73%
+4.7% YoY
|
0.66%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
11.98%
-2.4% YoY
-0.4% QoQ
|
-3.58% |
15.56%
-0.1% YoY
|
24.83%
+10.3% YoY
|
17.06%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.20%
+2.3% YoY
-74.7% QoQ
|
-0.03% |
0.23%
+0.9% YoY
|
0.21%
+8.5% YoY
|
0.32%
+4.0% YoY
|
61% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.